own Meeting Minute Issue #14: Decision Season — The Verdicts Are Starting to Land

Posted by Tim Bray on August 17th, 2026

Town Meeting Minute • Issue #14

Decision Season: The Verdicts Are Starting to Land

For months we have tracked towns writing frameworks, drafting plans, and scheduling hearings. Now the region is entering decision season. Stonington's ten-year plan goes back to public hearing August 18. Waterford is weighing whether to adopt its own rezoning of the former airport property. Groton just denied a follow-up amendment. Tiverton set a September special meeting on its most contested commercial project. What towns decide over the next thirty days will echo through land value for the next decade.

New London County, CT Middlesex County, CT Washington County, RI Newport County, RI

Issue #13 was about municipal control — towns taking…

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5 Key Things to Know if you’re Thinking About Buying a Vacation Home

Posted by Robert Ruth on June 8th, 2018

Written by Robert H. Ruth

 

Second home season is officially here!  While buying a primary residence is a substantial commitment financially, with long ranging impacts, purchasing a second / vacation home is an even larger commitment, so careful deliberate planning is paramount if you are in the market to purchase a second home this year.   Here are five important issues to consider when contemplating a second home purchase:

 

How familiar are you with the area?

• Buying a home as an annual vacation destination or to use on weekends or Holidays is a very serious commitment. You better make sure you like the area you are purchasing in because you’ll be spending a huge amount of your free time there. Many buyers I work with have…

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Insights from the 2018 Home Buyer Generational Trends Report

Posted by Robert Ruth on May 17th, 2018

Written by Robert H. Ruth

Every year since 2013 the National Association of Realtors (NAR) has published a report looking at trends among buyers and sellers in the Real Estate Industry from the previous year. I’ve always eagerly anticipated this report because it provides excellent insights into the composition of the Real Estate marketplace. This year I thought I’d share some of the more significant findings that are pertinent to home buyers since that is the focus of my blog posts here. If you want to see the report for yourself, I have provided a link for you to download a pdf version here: CLICK HERE

The introduction of the report has much useful information about the composition of buyers in the Real Estate marketplace .  Here are what I…

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What Really Determines Your Credit Score?

Posted by Robert Ruth on April 27th, 2018

Written by Robert H. Ruth

This is a topic I discuss with borrowers most every day, so I thought you’d like to know the components of your credit score.  According to Fair Issac Corporation (FICO), “the score is calculated from many different pieces of data in your credit report, and the data is grouped into the 5 categories below.” Here they are with the approximate weighting assigned to each category:

 

• Payment History : 35%
• Amounts Owed :  30%
• Length of Credit History:15%
• New accounts Opened :10%
• Mix of Credit :10%
• Total: 100%

Let’s see what each category represents:

Payment history: 35%

This tells whether you have paid your credit card accounts on time in the past.  If you make all your payments on time each…

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